Private Medical Insurance

Sorry for those who contacted me, I always encourage one to go with their current agent to establish a relationship for the future.

I have been in this for 24 years and lots of misunderstandings from those who takes IncomeShield only and along the years when claim arises, when one do not understand deductibles and co-insurance, agent is always accused of not explaining.

I am also thankful for those who are quite understanding.

IncomeShield,PruShield, HealthShield, SpremeHealthShield, MyShield are all essential hospital and surgical plans that will meet the needs of each person in their lifetime and is the most basic necessary plan. As this is paid by Medisave, only one plan will be approved, so whichever insurer one has confident in, please take one before it is too late.Take it when you are still healthy and not until it is too late.

One can take it for their children, spouse as well as their own ageing parents. Cost is low. We need to be prudent in such planning. Even if one has no need of it, it is a peace of mind. My own mother on kidney dialysis is covered by IncomeShield. As I use to mention in my blog, do not compare until cow come home, take any one you are comfortable with first.See more

Gathering your earthly treasures

Have you considered to draw a spreadsheet and input your assets?

This may be good as you will then know what you have and where they are. You can can draw out templates for insurance, bank balance, CPF, investments, etc.

You can also draw a time line to mark out the important milestones, where your assets matures or time expected to liquidate or reap the investment returns.

Frankly, other than gathering and organising the assets, in event of unfortunate situation, at least the family will have easier time tracing. Just a practical tip.